Investment Property Details
Gig Harbor, Pierce County median: $725,000
Down payment: $181,250 | Loan: $543,750
Gig Harbor, Pierce County median rent: $2,400/mo
Gig Harbor, Pierce County Market Snapshot
- Conforming Limit
- $1,149,825
- Median Rent
- $2,400/mo
- Avg Property Tax Rate
- 0.92%
- Est. Annual Tax
- $6,670
Your DSCR Ratio
0.53
Below break-even — rent does not cover PITIA
Monthly Rent
$2,400
Monthly PITIA
$4,523
Required Rent by DSCR Threshold
Required Rent
$4,523/mo
vs Your Rent
-$2,123
Required Rent
$5,654/mo
vs Your Rent
-$3,254
Gig Harbor, Pierce County Median Rent Comparison
The median rent in Gig Harbor, Pierce County, Washington is $2,400/mo.
Your Rent vs Median
+$0
DSCR at Median Rent
0.53
Calculations are estimates for educational purposes only. Actual DSCR requirements vary by lender, property type, and loan program. Most DSCR lenders require a minimum ratio of 1.0–1.25. Contact Mo Abdel at (949) 822-9662 for a personalized investment property analysis. NMLS #1426884 | Lumin Lending NMLS #2716106.
Frequently Asked Questions
What DSCR ratio do I need for an investment property in Gig Harbor, Washington?
Most DSCR lenders require a minimum ratio of 1.0 to 1.25. In Gig Harbor, the median rent is $2,400/mo and the median home value is $725,000. Use the calculator above to determine if your target property meets lender DSCR requirements.
What is the median rent in Gig Harbor for 2026?
The 2026 median rent in Gig Harbor, Pierce County is $2,400 per month. This is used by appraisers and DSCR lenders when underwriting investment property loans. Actual rents vary by property type, bedrooms, condition, and exact location.
What property tax rate applies to investment properties in Gig Harbor?
The average effective property tax rate in Gig Harbor is 0.92%. On an investment property valued at $725,000, that's approximately $6,670 per year. Property taxes are a key component of the PITIA payment used in DSCR calculations.
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